I have been divorced over 10 years and will turn 66 on May 27, 2018. I have read your book. My ex-husband took his social security early. I plan on taking half of his, then take mine at 70 only if it's more than what I get from his.. Is there a best time to apply in regards to paying taxes? Also, are there different calculators for this or when I turn 70 to maximize my benefits? I'm not sure whether I need to consult a financial adviser for this. How do I get Social Security to accept some other calculator? Finally, I'm self employed and not sure if that has any effect on anything. Thank you.

Hi,

Social Security will make their own calculations, but our software can help you determine your best strategy for claiming benefits. It sounds like your probably on the right track, though, in filing just for divorced spousal benefits only effective with the month you reach age 66 and then filing for your own benefits at age 70 if they're higher than your divorced spousal rate.

I'm not a tax expert so I don't have any advice for you in that regard. As for when to apply, you could file any time between now and November 2018 and still be able to elect to start divorced spousal benefits effective with May 2018.

Best, Jerry